Healthcare runs on paperwork, not software.

Americans paid $557 billion out of pocket for care in 2024. They manage it with none of the tools they expect for the rest of their money.

• Most people can't say what their HSA covers, so tax-free money sits unused.
• Same drug, same pharmacy: a $29 copay when the cash price is $12. Nobody tells you.
• Reimbursements go unfiled because the paperwork is miserable.
• Medical bills hide costly errors that most people never catch.

Prices illustrative; discount cash prices often beat copays (GoodRx). Out-of-pocket figure: CMS National Health Expenditure data, 2024.

Everyone solves one piece. We connect them.

Each of these optimizes one number. The right call depends on four at once: today's price, your deductible position, the HSA tax break, and what you'll spend next. None of them can see all four.

Baseline Benefits is the only one connected to your prices, insurance, HSA, and bank.

And it compounds: every fill, claim, and eligibility call sharpens the engine, and leaving means starting your savings history over.

From HSA optimization to the layer under every healthcare payment.

We start with prescriptions and HSAs, then expand into the rest of healthcare spending.

• Medical-bill auditing: find the billing error, file the dispute.
• Employer and health-plan contracts: the same engine, sold to the people who carry the cost.
• Medicare and Medicaid guidance: the households hit hardest by out-of-pocket costs.